Call reports 2009
ESB BANK — 2009
What ESB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 53,136,000 | 55,301,000 | 55,449,000 | 60,023,000 |
| Total loans | 39,917,000 | 42,218,000 | 42,598,000 | 42,859,000 |
| Allowance for loan losses | 483,000 | 474,000 | 426,000 | 444,000 |
| Securities available for sale | 6,333,000 | 6,240,000 | 5,793,000 | 5,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,395,000 | 44,370,000 | 44,308,000 | 49,185,000 |
| Interest-bearing deposits | 39,821,000 | 41,426,000 | 41,999,000 | 45,374,000 |
| Noninterest-bearing deposits | 2,574,000 | 2,944,000 | 2,309,000 | 3,811,000 |
| Equity capital | 5,283,000 | 5,364,000 | 5,581,000 | 5,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 730,000 | 1,501,000 | 2,275,000 | 3,114,000 |
| Interest expense | 338,000 | 667,000 | 990,000 | 1,302,000 |
| Net interest income | 392,000 | 834,000 | 1,285,000 | 1,812,000 |
| Noninterest income | 123,000 | 254,000 | 372,000 | 517,000 |
| Noninterest expense | 352,000 | 725,000 | 1,086,000 | 1,452,000 |
| Provision for loan losses | 18,000 | 27,000 | 126,000 | 135,000 |
| Pretax income | 145,000 | 336,000 | 464,000 | 761,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 145,000 | 336,000 | 464,000 | 761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,992,000 | 5,100,000 | 5,214,000 | 5,126,000 |
| Total capital | 5,475,000 | 5,574,000 | 5,640,000 | 5,570,000 |
| Risk-weighted assets | 43,484,000 | 45,934,000 | 46,670,000 | 47,082,000 |